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Beaver County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Beaver County, Utah based on real HMDA transaction records.

Loan Details

Beaver County, UT Benchmarks

FHA averages
Typical Property Value$322,500
Average Down Payment8.9%
Average Interest Rate6.173%
Effective Tax Rate0.36%
Median Tax Paid$1,142/yr
Tax Growth (Historical)-1.2%
Based on 28 regional loans totaling $7,970,000 (HMDA database).
$
%

$28,703 down · $293,798 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$97 / month

$

Annual premium

$

Per month

%

$125 / month

Estimated Monthly Payment

$2,196/mo

  • Principal & Interest$1,825
  • Property Tax$97
  • Home Insurance$150
  • FHA MIP$125
Amortization · Remaining Balance

Financed Loan Amount

$298,939

Total Interest

$358,094

Total of Payments

$657,033

*Includes financed FHA Upfront MIP of $5,141

Local Market Insights

Beaver County FHA Mortgage Overview

For Beaver County homebuyers considering an FHA loan, the 8.92% average down payment provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 91.08% LTV ratio—ideal for those with sub-620 credit. The 6.173% rate on a $322,500 property, paired with a 0.36% effective property tax rate and a -1.2% inflation-adjusted tax decrease, modestly lowers monthly costs. This data reflects 100% primary residences, not investments. When evaluating an FHA mortgage with property taxes, remember MIP is permanent, making this structure best for long-term owner-occupants.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.